860 Plains Rd, Lusby, MD 20657 Property Records

Calvert County property record for 860 Plains Rd, Lusby, MD 20657

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,310 sqft · built 1993
Lot Size	0.35 acres (15,273 sqft)
Owner	Individual on Record
Last Sale	$224,000 (May 2017)
Tax Bill	$3,618 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`01-115855`

Property Details

APN / Parcel Number

Primary APN	`01-115855`
Alternative APNs	`1115855` `115855`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,310 sqft Total Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	15,273 sqft (0.35 acres)
Porch	Porch
Porch Area	60 sqft
Deck Area	132 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	115855
Street Address	860 PLAINS RD
City	LUSBY
State	MD
Zip	20657-3539
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	LT 20 SEC 3H CHES RANCH ESTS
Legal Subdivision	CHESAPEAKE RANCH ESTATES
Legal Lot Number	20
Jurisdiction	CALVERT MD
Township / Civil Division	1, SOLOMONS ISLAND
Census Block Group	2
Census Block	2022
Census Tract	861004

Owner

Source: Calvert County assessment roll, as of July 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Mailing Address	860 PLAINS RD, LUSBY, MD 20657-3539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
Jul 13, 2020	Loan Modification, Mortgage · FHA Mortgage FREEDOM MTG
May 8, 2017	Grant Deed, Transfer · FHA Mortgage MLEND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2017 · Amount on Record
Deed Sale	May 8, 2017 · Amount on Record
Prior Sale	Mar 26, 2003
Deed Book / Page	4988 / 45
Prior Transfer Date	May 14, 2008
Prior Transfer Doc	KPS031610223
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	860 PLAINS RD, LUSBY, MD 20657-3539
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0062080369
Date	Jan 31, 2022
Book Page	6208/369

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CALVERT MD
Property Address	860 PLAINS RD, LUSBY, MD 20657-3539
Document Number	0056750263
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 PLAINS RD LUSBY MD 206573539, LUSBY, MD 20657-3539

Mortgage

Document Number	0056750263
Date	Aug 21, 2020
Book Page	005675/000263

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2050

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CALVERT MD
Property Address	860 PLAINS RD, LUSBY, MD 20657-3539
Document Number	0056750255
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 PLAINS RD LUSBY MD 206573539, LUSBY, MD 20657-3539

Mortgage

Document Number	0056750255
Date	Aug 21, 2020
Book Page	005675/000255

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 2050

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CALVERT MD
Recording Date	May 8, 2017
Property Address	860 PLAINS RD, LUSBY, MD 20657-3539
Document Number	0049880045
Book / Page	004988 / 000045
Instrument Date	Apr 28, 2017
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	LEGENDS TITLE GROUP LLC, LEGENDS TITLE GRP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$224.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	860 PLAINS RD LUSBY MD 206573539, LUSBY, MD 20657-3539

Mortgage

Document Number	49880052
Date	May 8, 2017
Book Page	004988/000052

Lender

Name	MLEND
Address	MIDDLETOWN, MD 21769

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2047

Tax Assessment & Valuation

Source: Calvert County assessment roll, as of July 29, 2025

Property Jurisdictions

Type	Name
State	Maryland
County	Calvert County
Unified School District	Calvert County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,618.00 (+42.05%) Homeowner's exemption	$294,800 (+20.23%)	$319,600 (+30.34%) Land $55,200 Building $264,400
2023	$2,547.00 Homeowner's exemption	$245,200 Land $55,200 Building $190,000	$245,200 Land $55,200 Building $190,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 18, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2010–2014)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jan 2014

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 47% of the US · above 87% of Maryland
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHESAPEAKE RANCH ESTATES private · serves 9,500 people · EPA ID MD0040004
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: IQ Fiber, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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